Share Certificates Rates

Current as of November 1, 2020

Promotional Share Certificates | Opening & Min. Balance Req. $500+

6 Month Special

Dividend Rate
.30%
APY
.30%

12 Month Special

Dividend Rate
.45%
APY
.45%

13 - 16 Months

Dividend Rate
0.30%
APY
0.30%

17 - 20 Months

Dividend Rate
0.40%
APY
0.40%

21 - 30 Months

Dividend Rate
0.50%
APY
0.50%

36 Month Flex

Dividend Rate
.60%
APY
.60%

Indexed Share Certificate††*(not currently available)

Dividend Rate
.22%
APY
.22%

Indexed Share Certificate††‡* (prior to 10/01/2017)

Dividend Rate
.27%
APY
.27%

Promotional Share Certificates | Opening & Min. Balance Req. $10,000+

24 Months

Dividend Rate
0.50%
APY
0.50%

36 Months

Dividend Rate
.60%
APY
.60%

48 Months

Dividend Rate
.65%
APY
.65%

Promotional Share Certificates | Opening & Min. Balance Req. $100+

Veterans Family Fund | 6 Months

Dividend Rate
0.50%
APY
0.50%

FLEX* | Opening & Min. Balance Req. $500 - $24,999.99

3 - 12 Month

Dividend Rate
0.15%
APY
0.15%

13 - 23 Month

Dividend Rate
0.25%
APY
0.25%

24 - 47 Month

Dividend Rate
0.35%
APY
0.35%

48+ Month

Dividend Rate
0.50%
APY
0.50%

STANDARD | Opening & Min. Balance Req. $500 - $24,999.99

3 - 12 Month

Dividend Rate
0.30%
APY
0.30%

12 Month Special

Dividend Rate
.45%
APY
.45%

13 - 23 Month

Dividend Rate
0.35%
APY
0.35%

24 - 47 Month

Dividend Rate
0.50%
APY
0.50%

48+ Month

Dividend Rate
0.55%
APY
0.55%

IRA Share Certificates | Opening & Min. Balance Req. $1,000 - $49,999.99

13 Month

Dividend Rate
.30%
APY
.30%

23 Month

Dividend Rate
.50%
APY
.50%

33 Month

Dividend Rate
.60%
APY
.60%

IRA Share Certificates | Opening & Min. Balance Req. $50,000 - $99.999.99

13 Month

Dividend Rate
.30%
APY
.30%

23 Month

Dividend Rate
.50%
APY
.50%

33 Month

Dividend Rate
.60%
APY
.60%

IRA Share Certificates | Opening & Min. Balance Req. $100,000.00

13 Month

Dividend Rate
.30%
APY
.30%

23 Month

Dividend Rate
.50%
APY
.50%

33 Month

Dividend Rate
.60%
APY
.60%

Consumer Account Disclosure: The terms applicable to your Deposit Accounts at ACU are provided in a separate Truth–in-Savings Disclosure. Fees may reduce earnings. See Fee Schedule. The Annual Percentage Yield on Share Certificates assumes dividends will remain on deposit until maturity. A withdrawal will reduce earnings. A penalty of up to 90 days of dividends may be imposed for early withdrawal on Share Certificates and Performance Saver Accounts and will affect earnings on the account. You must be an ACU member to qualify.

† Account receives identity theft coverage, cell phone repair coverage, 10 cents cash back for every debit card purchase over $5.00, and ATM fee reimbursement up to $10.00 per month. To earn dividends, receive ATM fee reimbursement, and 10 cents cash back, you must have eStatements, 15 POS transactions of at least $5.00 post and settle during the monthly statement period, and log into ACU Online or ACU Mobile App at least once per month.

†† The Index is the 2 year US Treasury Bill published on the 25th day of the month. The minimum dividend rate will never be less than the Performance Saver minimum dividend rate.

‡ Account is no longer available for certificates opened or renewed after 9/30/2017.

‡‡ To earn dividends you must have $15,000 in combined loans or deposits, direct deposit of at least $500 per month, eStatements, and 10 POS transactions post and settle during the monthly statement period.

* Rates may change after account opening.

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